Providing advisory, consulting, planning and execution services with regard to the development and implementation of Ready Life's Ready Mortgage product. Collaborate with Compliance to develop RESPA policy, procedure & training as well as review company marketing materials and processes for UDAAP, FCRA & ECOA compliance.

Joined the Lending Ecosystem team in August 2022 to contribute to the continued development of DART (Digital Asset Registration Technologies), a digital asset registry, which provides real-time transaction settlement records and asset transfer updates by utilizing Provenance Blockchain's immutable record. Led business development activities including pitch calls and demos of the product with prospective users such as private lenders as well as the GSEs. Liaise with and advise the Product team on the continued development, design and function of the DART user interface. Led creative design of the DART homepage as well as design of any marketing collateral used for demos and sales activities.

Directed processing and closing teams, including managers and individual contributors and processes for start-up mortgage product from fintech company. Displayed high level of expertise and knowledge in mortgage regulatory guidelines, such as TRID, TILA, and RESPA as well as deliver subject matter expertise during continuous development of product to ensure compliance. Coordinated with senior management, legal/compliance partners, and external vendors on to evaluate product limitations and provide multi-dimensional solutions for execution across multiple initiatives.► Authored requirements for development of 0-1 Purchase Loan product for proprietary LOS ensuring compliance with regulatory framework, specifically TRID & TILA.► Owned all aspects of compliance issue management, such as issuing PCCDs and costs to cure.► Led operational development of crypto lending product.► Increased productivity in Closing Department by 150% in 6 months by working with product and engineering to create system efficiencies and decrease manual workarounds.► Liaised with Product team to enhance operational processes, determine inefficiencies, and identify areas of improvement for proprietary mortgage technology, involving driving, scoping, and approving new product developments.

Spearheaded team of 10-15 closing experts with emphasis on driving production, pipeline management, and process improvement. Monitored timeline and progress of Closing Expert onboarding and training on continual basis. Acted as first line of defense to diffuse customer escalations to management. Oversaw and supervised overall performance metrics and pipeline management to achieve desired objectives.► Led and directed high-performance closing team dedicated to major partnership funnel (1000+ funded units per month).► Liaised with processing, underwriting, quality control, funding, and all support teams to assist efficient and optimized loan closings and fundings.► Provided training to increase team's knowledge in closing purchase transactions specifically around Interested party contributions and minimum required downpayment rules.

Promoted to manager/recruiter for Loan Submission process, Disclosure Desk, Loan Setup team, Wholesale Processing, and Closing Department, comprising of 19 team members and growing for Wholesale Lending Channel (launched early 2018). Coordinated with chief legal counsel and compliance team to review results of state/federal audits and regulatory updates, making necessary process changes to ensure channel compliance. Ensured accurate and timely wire transfers, while working closely with funding department. Identified and resolved any escalations that occurred within scope of all managed teams.► Liaised with senior leaders on ongoing process flow development and design, developed written policies/ procedures, training, and system enhancements to promote efficiency and scalability for current and future growth.► Partnered with post-closing diligence review vendor to identify, rebut, and resolve QC issues in order to prepare loans for securitization.► Built and hired the entire wholesale operations team across four functions from 0-1 (19 team members) and provided training to support over $30MM+ per month in loan volume.► Collaborated with wholesale underwriting manager, SVP of underwriting, and underwriting team members on daily basis to develop process enhancements in promoting efficient pipeline management and positive customer/partner experience.

Reviewed and ensured accuracy and data integrity of required disclosures at time of initial disclosure, re-disclosure, and at time of lock if necessary to ensure all disclosures are issued timely and meet RESPA requirements. Maintained accurate record of communications and actions regarding disclosure process in LOS's disclosure tracking section. Maintained working knowledge of federal and state residential mortgage origination laws and agency disclosure guidelines, such as TILA, REG Z, MDIA, RESPA, TRID, ECOA, FACTA, FCRA, FHA, BSA/AML, and HMDA.► Avoided costly tolerance cures by understanding/communicating all fee tolerance limitations and ensuring accurate and timely fee redisclosure.► Tested and ensured accuracy and compliance of state disclosures for newly launched wholesale lending division.► Assessed and ensured accuracy/data integrity of required disclosures at time of initial disclosure, re-disclosure, and lock as necessary to issue all disclosures on time, while adhering to RESPA requirements.

Worked with loan officers, operations, and executive management to oversee retail division's mortgage loan pipeline from origination to closing to ensure smooth transactions, on-time closings, and overall exemplary borrower experience. Examined recently locked loan applications for accuracy and compliance with agency underwriting guidelines. Served as liaison between sales and operations departments to effectively oversee pipeline and escalate as required to meet deadlines. Supported LOs during preapproval stage with structuring scenarios as well as delivered guidance regarding giving agency guidelines, running AUS, elevating to credit committee as needed. Acted as subject matter expert related to loan origination software and proper entry of loan information. Trained and monitored all new team members, traveling as necessary.► Mentored loan officers to consistently improve quality of loan origination practices.► Provided support and training for retail MLO team to help in increasing monthly production.► Determined workflow inefficiencies as well as established and executed process improvements to prevent fallout.► Formulated, managed, and distributed reports as needed to keep sales and operational management informed regarding pipeline flow and address any potential issues in proactive and timely fashion.